When you dial any of the listings you are put through to a sophisticated automated call tree that asks the same qualifying questions each time: if you already have insurance or no if you have been continuously insured for 12 months or no what is your zip code which insurance carrier you currently have Based on the answers the system sends you along to an insurance agent that can sell you a competing product. The idea is that if you already have Allstate and are calling for “cheap car insurance” you must want a different brand.

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